Kisan Vikas Patra (KVP) Calculator 2026
Calculate post office 7.5% p.a. investment growth and exact tenure to double your principal capital
Rate is fixed by the scheme. Update if it changes.
Tenure is fixed at 9.58 years by the scheme.
Your money becomes
1.9×
of what you put in over 9.58 years.
Invested vs Interest
₹1.00 L
₹91,724
Interest is 47.8% of final value
Year-by-year breakdown
| Year | Total contributed | Interest earned | Value |
|---|---|---|---|
| 1 | ₹1.00 L | ₹7,500 | ₹1.07 L |
| 2 | ₹1.00 L | ₹8,063 | ₹1.16 L |
| 3 | ₹1.00 L | ₹8,667 | ₹1.24 L |
| 4 | ₹1.00 L | ₹9,317 | ₹1.34 L |
| 5 | ₹1.00 L | ₹10,016 | ₹1.44 L |
| 6 | ₹1.00 L | ₹10,767 | ₹1.54 L |
| 7 | ₹1.00 L | ₹11,575 | ₹1.66 L |
| 8 | ₹1.00 L | ₹12,443 | ₹1.78 L |
| 9 | ₹1.00 L | ₹13,376 | ₹1.92 L |
Growth over time
The gap between the two lines is the interest earned — and it widens every year.
Kisan Vikas Patra (KVP): Guaranteed Sovereign Capital Doubling Decoded
Kisan Vikas Patra (KVP) is a long-standing government savings certificate that guarantees to double your initial lump-sum investment over a fixed statutory tenure (currently 115 months / 9 years 7 months at 7.5% annual interest).
Kisan Vikas Patra (KVP) FAQs
Important guidelines on KVP certificates and tax liabilities.
Is KVP interest exempt from income tax?
No. Kisan Vikas Patra interest is fully taxable at your applicable income tax slab rates and does not qualify for Section 80C tax deductions.
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